For Owned & Operated readers

Every declined financing app is a lead you already paid for.

Comfort Connect gives HVAC, plumbing and electrical shops more ways to approve homeowners across the entire credit spectrum — so the leads you’re already paying for turn into booked jobs, at a lower cost per approval.

1st- through 4th-look loans, plus dedicated repair financing
New systems and repairs covered across all three trades
Instant decisions on the full bid — no counter offers or partial approvals*

See what your financing is costing you

A 20-minute review of your approval rates, dealer fees and program mix. No pitch deck.

~95%
of applications decided instantly
~90%+
approval coverage across credit profiles
+5–10%
higher close rates
10–20%
higher average ticket
Where the margin leaks

You don’t have a lead problem. You have a “no” problem at the kitchen table.

LSAs and Google Ads aren’t getting cheaper. When financing comes up short, that spend — and the tech’s time on the call — walks out the door with the homeowner.

Declines on paid leads

One lender, one look. When a homeowner below prime is declined, your tech leaves without the job — and the homeowner calls the next shop.

Dealer fees eating the job

Defaulting every install to the same promo plan quietly takes points off your gross margin, job after job.

Too many portals

Separate logins, reps and funding schedules for every lender — and a training headache every time you hire or acquire.

Repairs left unfunded

Sewer lines, water heaters, panel upgrades. Big repair tickets stall when the only financing you offer is built for installs.

Your flow, your rules

Run the full waterfall — or build your own.

For new systems, you pick which promos to offer, which dealer-fee structures to use, and whether lease-to-own and the Premier Program® are in the mix. Your comfort advisor enters the retail price once and the application follows the path you set.

For the best approval rates, run the full flow. Lead with the Premier Program®, then let loans and lease-to-own catch every homeowner who wants a different option — prime to no-credit.

Lenders on the platform are our partners. You never work with them directly — Comfort Connect handles the relationships, funding and support.

Premier Program® HCaaS
Full credit spectrum
1st-look loans
Prime & promo plans
2nd, 3rd & 4th-look loans
Near-prime & fair credit
Lease-to-own
Low & no-credit
Repairs? They run on a dedicated repair-financing application — same platform, built for tickets that aren’t a full system replacement.
Built for multi-trade shops

One financing stack across every truck in the fleet.

Adding a trade or tucking in an acquisition shouldn’t mean adding another financing relationship. One platform, one process to train, one partner to call.

HVAC

System replacements, heat pumps and IAQ add-ons — with the Premier Program® turning installs into long-term customer relationships.

Plumbing

Water heaters, sewer and water lines, repipes and water treatment — the big-ticket repairs homeowners rarely have cash set aside for.

Electrical

Panel upgrades, rewires, EV chargers and standby generators — financed on the same platform your HVAC team already uses.

Premier Program® · Home Comfort-as-a-Service

Turn every install into recurring revenue.

The Premier Program® gives homeowners a worry-free home comfort experience: one all-inclusive monthly payment covering new equipment, installation, covered repairs and maintenance, with no large upfront cost. For you, every enrolled customer pays a quarterly revenue share that compounds as the book grows.

Whether you’re scaling past your next milestone or building toward an exit, that’s predictable revenue and a customer base tied to your shop for 10+ years.

~95%
customer retention
10+ yrs
customer relationships secured
Free tool
What’s your Premier Program® book worth?

Plug in your numbers and see how quarterly revenue share stacks up over time.

Run my numbers
Keep more of every ticket

Lower fees. More approvals. Money back from your partners.

Right-sized dealer fees

A wide range of rates and promo plans means you’re not paying top-tier fees on jobs that don’t need them.

Rebates through OEMs & networks

Eligible dealers can earn rebates through select OEM partners and industry networks like Nexstar Network when they finance with Comfort Connect.

Support that rides along

Sales training, ride-alongs and marketing kits so your team actually presents financing on every call.

Dozens of dealers have already made the switch.

They’re saving on fees and approving more customers across the credit spectrum.

“The modern platform is super easy to navigate through and understand where we are on the process and just how quickly we can get information and get a decision on financing for a consumer.”
Zach Smith, Owner · Prospector Plumbing and Heating

Stop losing paid-for leads at the kitchen table.

We’ll look at your current approval rates, fee spend and program mix, and show you where one platform closes the gaps.

*No counter offers on 1st-look loans under $25,000 or 2nd-look loans under $15,000.

Owned & Operated is a trademark of its respective owner; mention does not imply endorsement.

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